South Carolina Health Insurance
Those of you who reside in South Carolina will come across a wide selection of health care insurance options to explore as well as numerous insurance companies to deal with, such as Humana, Cigna, and Aetna. These popular insurers, along with the rest of the carriers, will display an assortment of health plans in front of you that are designed to fulfil your specific needs when it comes to health coverage.
By looking here, you’ll find information on the state’s top insurance providers as well as the rules, regulations, and laws that you need to know regarding the health insurance industry in South Carolina. In addition, you’ll be able to read about the various public health insurance and financial assistance programs that are available to South Carolina residents.
For fast, free quotes from the state’s top insurance carriers just fill out the simple form below. This will enable you to compare the different health policies that are available to you.
If you reside anywhere other than South Carolina, you’ll be able to search for health insurance by state.
Resources on this page
South Carolina Health Insurance Stats
South Carolina Residents: 4,579,600
Median Annual Household Income: $42,065
South Carolina Health Care Expenditures (in millions): $28,798
Households with at least 1 full time worker: 1,982,000
South Carolina Health Insurance Coverage based on Total Population (%):
- Employer: 44%
- Individual: 4%
- Medicaid: 16%
- Medicare: 15%
- Uninsured: 2%
Avg. Monthly South Carolina Individual Premiums: $211
Total South Carolina HMO Enrollment: 582,218
South Carolina health insurance law allows insurance companies to look at an applicant's health status to determine if they are accepted into coverage and to set monthly premiums.
If an applicant has a pre-existing health condition, he or she might be turned down for coverage but can purchase a plan through the South Carolina Health Insurance Pool. This high-risk pool accepts all applicants regardless of health status. But keep in mind that coverage in the South Carolina Health Insurance pool can be expensive.
Residents who recently left a group health plan with an employer and are HIPAA-eligible have special protections as health insurance shoppers. Learn more about this federal law here.
South Carolina health insurance plans also cover certain medical services according to state mandates. Those required services include:
- Screening for breast, prostate, and cervical cancer
- Care for pregnant women
South Carolina health insurance companies are also required to set equal coverage limits and maximums for mental health conditions and physical conditions.
Low-income residents with no health insurance have access to various financial assistance South Carolina health insurance programs.
South Carolina Medicaid is designed to provide low-income and disabled residents with free health insurance. To learn more about this South Carolina health insurance program, visit this website.
- Partners for Healthy Children
This program provides health insurance for children who are under the age of 19 and meet income eligibility requirements. For more information about Partners for Healthy Children, visit them online.
- The Best Chance Network
Low-earning women in South Carolina can get free screening for breast and cervical cancer through this program. Learn more about this South Carolina health insurance program for women here.
- South Carolina Medicare
Seniors can find South Carolina health insurance through Medicare Advantage, Supplement and Original Medicare.
Federal programs such as the Federal Health Coverage Tax Credit also provide some financial assistance for South Carolina residents. Learn more about the tax credit online.
Residents in South Carolina with pre-existing conditions will be able to get health insurance from a high risk pool established by the Patient Protection and Affordable Care Act.
The Pre-Existing Condition Insurance Plan (PCIP) in South Carolina will run similar to regular South Carolina health insurance plans. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.
Enrollees in the South Carolina PCIP will pay around the same amount that people without medical conditions pay for health insurance. The estimated premiums for South Carolina residents are $301 for ages 0 to 34; $361 for ages 35 to 44; $462 for ages 45 to 54; $642 for ages 55 and older. The plan has a $2,500 deductible which has to be met before health insurance benefits kick in. There is also an out-of-pocket limit set at $5,950 a year.
People in South Carolina with medical conditions will have coverage for prescription drugs, doctor and hospital visits, emergency services and more.
Individuals may apply for the South Carolina PCIP program if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.
For more information on the South Carolina health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer South Carolina health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
As a non-profit insurance company, BCBS of South Carolina provides a wide variety of health insurance plans with superior customer service.
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Started in 1978, IAC offers management services to large companies who self-insure.
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
WellPath is a Coventry Health Care Plan and subsidiary of Coventry Health Care, Inc., one of the country's largest health insurance companies. WellPath provides coverage to 160,000 members in North and South Carolina and strives to be the premier regional plan in its area.
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Find the contact information for the South Carolina health insurance and health and environmental control departments at:
PO Box 100105
Columbia, SC 29202
1201 Main Street, Suite 1000
Columbia, South Carolina 29201
Phone: (803) 737-6160
2600 Bull Street
Columbia, South Carolina 29201
Phone: (803) 898-3432